439 Cross Rd, Gurnee, IL 60031 Property Records

Lake County property record for 439 Cross Rd, Gurnee, IL 60031

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,484 sqft · built 1990
Lot Size	0.223 acres (9,696 sqft)
Owner	2 Individual Names on File
Last Sale	$295,000 (Apr 2019)
Tax Bill	$11,702 (2024)
Deeds & Mortgages	Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-26-104-033`

Property Details

APN / Parcel Number

Primary APN	`07-26-104-033`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,484 sqft Living Area
Gross Area	4,041 sqft
1st Floor Area	1,053 sqft
2nd Floor Area	1,431 sqft
Upper Floors Area	1,456 sqft
Basement Area	1,053 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Asphalt
Lot Area	9,696 sqft (0.223 acres)
Lot Dimensions	76 ft deep x 135 ft wide
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	439 CROSS RD
City	GURNEE
State	IL
Zip	60031-3248
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROVIDENCE VILLAGE PHASE II; LT 182
Legal Subdivision	PROVIDENCE VILLAGE PHASE II
Legal Phase	2
Legal Lot Number	182
Jurisdiction	LAKE IL
Township / Civil Division	WARREN
Census Block Group	1
Census Block	1012
Census Tract	861509

Owner

439 Cross Rd is owned and occupied by two individuals who bought it in April 2019.

Source: Lake County records, as of April 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	439 CROSS RD, GURNEE, IL 60031-3248
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2019 · Amount on File
Deed Sale	Apr 1, 2019 · Amount on File
Prior Sale	Apr 14, 2008 · Amount on File
Deed Document Number	20197552024
Prior Transfer Date	Feb 5, 2008
Prior Transfer Doc	0006314276
Record Updated	Oct 29, 2026

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Apr 1, 2019
Property Address	439 CROSS RD, GURNEE, IL 60031-3248
Document Number	0007552024
Instrument Date	Mar 26, 2019
Instrument	7552024
Transaction Type	Transfer
Record Updated	Apr 11, 2019
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$442.50
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	439 CROSS RD GURNEE IL 600313248, GURNEE, IL 60031-3248

Mortgage

Document Number	7552025
Date	Apr 1, 2019
Instrument	7552025

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 31, 2049

Tax Assessment & Valuation

Source: Lake County assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	Warren Township
Municipality	Gurnee Village
Secondary School District	Warren Township High School District 121 (09 - 12)
Elementary School District	Woodland Community Consolidated School District 50 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$143,904 Land $23,845 Building $120,059	$431,755 Land $71,542 Building $360,213
2024	$11,702.00 (+4.26%)
2023	$11,224.00 (+13.15%)	$118,762 (-0.45%) Land $19,679 Building $99,083	$356,322 (-0.45%) Land $59,043 Building $297,279
2022	$9,920.00	$119,298 Land $17,205 Building $102,093	$357,930 Land $51,620 Building $306,310

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 439 Cross Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 20, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	3 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 439 Cross Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GURNEE serves 30,193 people · EPA ID IL0970350
Water Source	Purchased surface water from several systems
Last State Inspection	May 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 375 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: E-vergent.

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